With three dependent children, the Brocks are assessing their life insurance. Pam has $$5,000$ of coverage. Josh has life insurance coverage equal to approximately eight times his annual salary.

With approximately $20$ years until retirement, Pam and Josh Brock want to establish a more aggressive investment program to accumulate funds for their long$-$term financial needs. Josh does have a retirement program at work. This money, about $$110,000,$ is invested in various conservative mutual funds. Since Pam has been working sporadically over this time frame, she does not have a formal retirement fund.

The Brocks established their own investment program about four years ago, and today they have about $$36,000$ invested in conservative stocks and mutual funds. In addition to their investment program, the Brocks have accumulated $$11,000$ to help pay for the children$$s college educations. Also, they have $$5,000$ tucked away in a savings account that serves as the family$$s emergency fund. Finally, both will qualify for Social Security when they reach retirement age.

Given that Pam is $43$ and Josh is $45$ and they have three children who will soon begin their college educations, what investment goals would be most appropriate?